First Metro Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 115.51 percentage points lower than in Q1 2026, at 705.71%. Within Alabama, First Metro Bank is 18th of 93 on return on assets, 1.63% as of Q2 2026, above the middle of the field. First Metro Bank reported 1.63% on return on assets for Q2 2026, 0.35 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.98% |
| Equity capital to assets | 11.22% |
| Tangible equity to tangible assets | 11.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.07% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 705.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 15.09% |
| Net interest margin | 3.64% |
| Efficiency ratio | 43.86% |
| Yield on earning assets | 5.13% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.10% |
| Core deposits to total deposits | 81.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.28% |
| Securities to assets | 25.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.39% | 1.52% | 3.27% | 0.01% | 0.09% |
| Q4 2023 | 11.11% | 1.51% | 3.40% | 0.02% | 0.02% |
| Q1 2024 | 11.14% | 1.51% | 3.32% | 0.04% | 0.04% |
| Q2 2024 | 11.60% | 1.75% | 3.64% | 0.03% | 0.08% |
| Q3 2024 | 11.49% | 1.61% | 3.60% | 0.08% | 0.10% |
| Q4 2024 | 11.49% | 1.48% | 3.59% | 0.14% | 0.05% |
| Q1 2025 | 11.69% | 1.51% | 3.49% | 0.02% | 0.02% |
| Q2 2025 | 12.04% | 1.71% | 3.70% | 0.32% | 0.03% |
| Q3 2025 | 12.48% | 1.72% | 3.79% | 0.10% | 0.05% |
| Q4 2025 | 12.45% | 1.75% | 3.79% | 0.10% | 0.15% |
| Q1 2026 | 12.70% | 1.55% | 3.49% | 0.12% | 0.40% |
| Q2 2026 | 12.98% | 1.63% | 3.64% | 0.14% | 0.04% |
First Metro Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Metro Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27381) · FFIEC NIC profile (RSSD 1222519)